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SIP Calculator

See what your monthly SIP can grow into. Enter the details below — results update instantly.

Estimated Total Value
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Amount Invested₹0
Est. Gains₹0

What is SIP?

SIP (Systematic Investment Plan) is a way to invest a fixed amount in a mutual fund every month, instead of investing a lump sum at once. It is the most popular way Indians invest in mutual funds, because it builds the habit of regular investing and averages out market ups and downs over time (called rupee-cost averaging).

How is SIP return calculated?

This SIP return calculator uses the standard future-value formula:

FV = P × ((1+r)n − 1) / r × (1+r)

Where P is your monthly investment, r is the monthly expected return (annual rate ÷ 12 ÷ 100), and n is the total number of months. For example, ₹5,000/month for 10 years at 12% grows to roughly ₹11.6 lakh — of which only ₹6 lakh is your own investment.

Tips for SIP investors

  • Start early, stay long — compounding rewards time more than timing. A 10-year SIP beats a 5-year SIP dramatically.
  • Use a conservative return — run the numbers at 10% too, not just 12%, so you plan for a range.
  • Step up your SIP yearly — increasing your monthly amount by 10% each year as your salary grows can nearly double your final corpus.
  • Don't stop in crashes — continuing SIPs during market falls buys more units cheaply; stopping locks in the worst outcome.

Frequently asked questions

How is SIP return calculated?

SIP maturity value is calculated with the future-value-of-annuity formula: FV = P × ((1+r)^n − 1) / r × (1+r), where P is the monthly investment, r is the monthly expected return (annual rate ÷ 12 ÷ 100), and n is the number of months. This calculator applies that exact formula.

What is a good expected annual return for SIP?

Indian equity mutual funds have historically delivered around 10–12% annualised over long periods (10+ years), but returns are never guaranteed and vary by fund and market cycle. It is wise to run the calculation at a conservative 10% as well as 12% to see a range of outcomes.

Is SIP safe? Can I lose money in SIP?

SIPs invest in market-linked mutual funds, so short-term losses are possible during market falls. Over long horizons (7–10+ years), equity SIPs have historically smoothed out volatility, but no return is assured. Never invest money you may need urgently.

Is this SIP calculator free to use?

Yes — completely free, with no sign-up and no app download. It runs entirely in your browser.